Business term deposits / GICs
Grow your savings, guaranteed.
Protect your business funds while earning a fixed, guaranteed return over a set period.
Featured rates.
2.95%‡
Limited time offer
18-month non-redeemable
Take advantage of our limited-time offer for new deposits.
3.15%‡
3 year non-redeemable
Grow your business savings faster with guaranteed returns
3.85%‡
Limited time offer
364-day USD short-term redeemable
Avoid exchange rate fluctuations and get a guaranteed interest rate.
Business term deposit options.
Our term deposits are ideal for short- to medium-term savings and helps support local lending. Receive a locked-in rate for predictable returns, with auto-renewal at maturity unless you opt out.
Escalating
Invest up to 3 years and enjoy interest rates that increase annually with flexible withdrawal options.
Cashable
Our most flexible term deposit. Invest over 1 year, with the ability to withdraw any time after a 30- or 90-day lockout.
Long-term redeemable
Earn interest over 1 to 5 years with no lock-in starting from $500.
Non-redeemable
Lock in your cash for 1 to 5 years and earn more.
US dollar redeemable
Invest for 30 to 364 days in USD starting from $5,000
Planet-Wise™ Index-linked
Invest from $1,000 for 3 or 5 years in an ESG-screened portfolio with market-linked returns.
Your deposits in our term deposits are 100% protected by the Credit Union Deposit Insurance Corporation of British Columbia (CUDIC).
Open an account.
Vancity members can purchase term deposits through Online Business Banking.
Talk to a pro.
Speak with a business advisor to get tailored investment advice for your business.
Your deposits in this account are 100% protected by the Credit Union Deposit Insurance Corporation of British Columbia (CUDIC).
Vancity is a BC Financial Services Authority authorized credit union and is covered by the Credit Union Deposit Insurance Corporation of British Columbia (CUDIC). To find out more about this coverage, visit the CUDIC website or ask us for more details.
Rate is subject to change or may be withdrawn without notice at any time. Terms and Conditions for each term deposit apply: